Know what’s coming.Smooth the gaps. Relax.
Your AI Money Agent sees what’s coming
and shows you
the fix. Short before payday?
It’ll spot you up to $2,000.
Budget apps look back.
Kaibr looks forward.
Your bills, your pay and the gaps in between. Kaibr sees them coming and tells you early.
Heads up: Rent due on Wed 28 puts you $84 short. Spend $10 a day less from today and you’ll be covered.
Heads up: Rent due on Wed 28 puts you $84 short. Spend $10 a day less from today and you’ll be covered.
Bill before payday? We’ll spot you.
Cover critical and emergency expenses, paid back in fixed weekly instalments.
Example: A$500 over 4 weeks: A$25 processing fee + A$5.60 interest = A$530.60 total (4 weekly repayments of A$132.65). Interest is 0.46% per week (24% p.a.) on what you still owe. Borrow up to $2,000 over up to 8 weekly instalments. One Spot at a time. Subject to an eligibility assessment (not a traditional credit check) and approval. You don’t need a Kaibr subscription to get a Spot loan.
Your week, sorted before it starts.
Kaibr looks at your pay, bills and spending, then tells you exactly what’s safe to spend until payday.
*Figures assume pay of $2,150 on Fri 16 and Fri 30. Read-only today: it sees your money, it doesn’t move it.
Make Kaibr yours
Personalise your AI assistant with your favourite Face, Animal and Superhero.
Pick a look you like.
Ask it like
you’d say it.
Normal questions. Straight, friendly answers from your AI Money Agent, in seconds.
Zara, 22 · KirribilliCan I afford dinner Saturday?Yes, up to $64.
Then $39 a day until payday.
Jay, 24 · ParramattaWhen’s rent due?Wed 28. You’re covered.
$510, already set aside.
Ella, 23 · FitzroyWhat can I spend today?$41 today. Go for it.
$456 until payday Fri 30.
The companion to
your banking app.
Kaibr isn’t a bank.
It works alongside yours.
Works with your bank
Keep your bank, your app and your card. Kaibr connects to the accounts you already have.
Sees what’s coming
Your AI Money Agent forecasts rent, bills and payday, then gives you a heads-up before you’re short.
Read-only today
Kaibr sees your money, it doesn’t move it.
Connected through Fiskil under the Consumer Data Right. Bank names and logos are trademarks of their owners.
Kaibr keeps an eye on all of it.
Your forecast, your bills and your subscriptions, in plain words. One feature at a time.
kept in one month.*
*Not an actual customer’s results. $30 + $21 + $35 = $86.
Three steps.
Then just talk.
Download the app. Sign up.
First insights in minutes.
Connect your bank, read‑only.
Read-only today: it sees your money,
it doesn’t move it.
See your forecast. Start talking.
Your week ahead, then your first conversation.
The first look is the wow. The real value is every day after: Kaibr reaches out, and you just talk.
Get the appGet more from your
AI Money Agent.
One app that looks ahead, nudges early and answers in plain words.
One simple price.
Everything Kaibr does, every day. Cancel anytime.
Kaibr is A$2.99/week after a 7-day free trial, charged to your Apple ID or Google Play account. Your subscription renews automatically each week unless auto-renew is turned off at least 24 hours before the end of the current period. Cancel before the trial ends and you won’t be charged. Manage or cancel anytime in your account settings.
Spot is separate and doesn’t need a subscription. 5% processing fee plus 0.46% weekly interest (24% p.a., calculated daily on what you still owe). A$500 over 4 weeks: A$25 fee + A$5.60 interest = A$530.60 total.
Questions, answered.
It looks at your pay, bills and spending, tells you what’s safe to spend until payday, gives you a heads-up before a bill leaves you short, and answers your money questions in plain words.
No. Kaibr is a companion app that works alongside your bank. Your money stays in your bank account and you keep banking the way you do now.
Kaibr is read-only today. Through Australia’s Consumer Data Right it can see your accounts and transactions so it can forecast and answer your questions. It doesn’t make payments.
Most major Australian banks, including CommBank, Westpac, NAB, ANZ, ING, Macquarie and Up. Kaibr connects through Fiskil under the Consumer Data Right, and you choose which accounts to share.
A$2.99/week after a 7-day free trial. Cancel before the trial ends and you won’t be charged. You can cancel anytime in your Apple ID or Google Play subscription settings.
No. Spot is separate and doesn’t need a Kaibr subscription. Spot is provided by Kaibr Capital Pty Ltd, subject to eligibility and affordability checks.
Look forward to payday.
Your AI Money Agent is ready when you are.
$2.99/week after a 7-day free trial. Read-only today. Cancel anytime.
Payday. $2,150 is in and rent’s paid. Nice week.